Madison County Financial Q2 FY26 net income rises to $2 million; net interest margin widens 0.41 percentage point to 2.88%

• Madison County Financial posted Q2 net income of $2.04 million, up 38.57% from a year earlier; diluted EPS rose to $0.79 from $0.57.
• Net interest income climbed 16.58% to $4.18 million, while non-interest income increased 46.66% to $965,000.
• Total assets fell to $613.3 million at June 30 from $626.4 million at Dec. 31, driven by lower cash, net loans, FHLB stock and interest receivable.
• Deposits rose to $467.39 million from $445.66 million, while borrowings dropped to $34.4 million from $72.6 million.
• Nonaccrual loans increased to $1.73 million from $691,000; the Bank remained well-capitalized with total capital of 19.54%.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Madison County Financial Inc. published the original content used to generate this news brief on August 04, 2026, and is solely responsible for the information contained therein.